1013796--3/14/2006--TIB_FINANCIAL

related topics

{stock, price, share}

{acquisition, growth, future}

{interest, director, officer}

{loan, real, estate}

{loss, insurance, financial}

{personnel, key, retain}

{capital, credit, financial}

Our business strategy includes the continuation of significant growth plans, and if we fail to grow or fail to manage our growth effectively as we pursue our strategy, it could negatively affect our results of operations If the value of real estate in our core Florida market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us An inadequate allowance for loan losses would reduce our earnings Our indirect lending program has a limited operating history and, as a result, the financial performance to date of this program may not be a reliable indicator of whether this business will continue to be successful Our de novo branching strategy could cause our expenses to increase faster than revenues We are dependent upon the services of our management team Future capital needs could result in dilution of shareholders investments Although publicly traded, the trading market in our common stock has substantially less liquidity than the average trading market for stock quoted on The NASDAQ National Market, and the price of our common stock due to this limited trading market may be more volatile in the future

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1013796--3/14/2006--TIB_FINANCIAL_CORP.